New Zealand Tools
Free online tools built for New Zealanders. Plan your KiwiSaver retirement savings, calculate employer contributions, and make smarter financial decisions. Everything runs in your browser — 100% private, no sign-up required.
From KiwiSaver retirement projections to ESCT-aware employer contribution checks and tax calculators, these tools are tailored to New Zealand's rules and rates. Built around IRD and Inland Revenue guidelines. All calculations happen client-side — no data ever leaves your device.
KiwiSaver Calculator
Calculate your KiwiSaver retirement balance, contributions, and employer match in seconds.
KiwiSaver Employer Contribution Calculator
Calculate gross employer contributions, ESCT, and the net amount landing in your KiwiSaver account.
KiwiSaver Calculator NZ 2026
Calculate KiwiSaver contributions, employer match, and government top-up for 2026. Project retirement balance at 65.
NZ PAYE Tax Calculator
Calculate your New Zealand take-home pay after income tax, ACC levy, and KiwiSaver deductions.
NZ Working for Families Calculator
Estimate your Family Tax Credit, In-Work Tax Credit, and Best Start payments for 2025-26.
NZ ACC Earner Levy Calculator
Calculate your ACC earner levy on employment or self-employed income with 2025-26 rates and cap.
NZ GST Calculator
Add 15% GST to a net price or extract GST from a GST-inclusive total. Instant, private NZ GST maths.
NZ Income Tax Calculator 2025-26
Calculate total NZ income tax across salary, rental, dividends, and self-employment using 2025-26 IRD rates.
NZ Mortgage Fix vs Float
Compare fixed and floating mortgage rates and find the lowest-cost option for your NZ home loan.
NZ Mortgage Rate Rise Calculator
Calculate exactly how much your repayments will increase when NZ mortgage rates rise. See monthly, fortnightly, and annual impact with a stress-test table.
NZ First Home Grant Calculator
Calculate your First Home Grant and KiwiSaver withdrawal for buying your first home in New Zealand.
KiwiSaver First Home Grant Calculator NZ 2026
Check First Home Grant eligibility, KiwiSaver withdrawal amount, income caps and 5-year contribution rule for first-home buyers in New Zealand.
NZ Student Loan Repayment Calculator
Calculate your IRD student loan repayments, years to repay, and savings from voluntary extra payments. 0% interest for NZ residents.
NZ Rental Yield Calculator
Calculate gross and net rental yield on New Zealand investment properties. Compare returns across suburbs and property types.
NZ Rental Income Tax Calculator
Calculate income tax on your New Zealand rental property earnings — deduct rates, insurance, interest, and management fees for 2025-26.
NZ Bright-Line Tax Calculator
Estimate Bright-Line property tax on NZ residential property sales under the 2-year rule from 1 July 2024.
NZ Brightline Test Calculator 2026
Find out if the brightline test applies to your NZ property sale and estimate your tax. Covers new builds, main home exemption, and accurate marginal rate stacking.
KiwiSaver Retirement Income Calculator
Calculate how much monthly retirement income your KiwiSaver will provide, combined with NZ Super, and how long your savings will last.
KiwiSaver Fund Selector Quiz
Find your ideal KiwiSaver fund type — Defensive, Conservative, Balanced, Growth, or Aggressive Growth — based on your age, goals, and risk profile.
NZ FIF Tax Calculator
Calculate your Foreign Investment Fund tax. Compare Fair Dividend Rate vs Comparative Value methods to find the lowest tax bill. Includes $50,000 threshold check.
NZ Super Rate Calculator 2025-26
Check your NZ Superannuation eligibility and see weekly, fortnightly, and annual payment rates by living situation and tax code.
NZ PIE Tax Rate Optimizer 2025-26
Find your correct Prescribed Investor Rate (PIR) for KiwiSaver and PIE funds. See your tax saving vs paying at your marginal rate.
NZ FBT Calculator 2025-26
Calculate Fringe Benefit Tax on company motor vehicles, low-interest loans, and other employer-provided benefits using 2025-26 IRD single-rate and alternate-rate methods.
NZ Fringe Benefit Tax Calculator
Compare single rate (63.93%) vs alternate rate FBT side by side. Covers motor vehicles, low-interest loans, and other benefits. See which method saves more — free, private, based on IRD 2025-26 rates.
NZ Provisional Tax Estimator 2025-26
Estimate your provisional tax instalments using the standard 105% uplift or estimation method. See payment dates and amounts for self-employed and landlords.
NZ RWT Interest Tax Calculator 2025-26
Calculate Resident Withholding Tax deducted from your bank interest. Check if your RWT rate is correctly set for your income bracket. Based on 2025-26 IRD rates.
NZ Working Holiday Visa Tax Refund
Estimate your NZ income tax refund as a working holiday visa holder. Enter wages earned and PAYE paid to see your likely refund based on 2025-26 IRD rates.
KiwiSaver Fees Comparison Calculator
Compare KiwiSaver fund fees and see how they impact your retirement savings over 10, 20, or 30 years. Low-cost vs active fund analysis.
ACC Levy Calculator 2026
Calculate ACC levies in New Zealand — earners' levy, work levy by industry, and total annual ACC costs for employees and self-employed.
Additional Tools
NZ Best Start Payment Calculator
Calculate Best Start payment 2026 — NZ$73/week per child up to age 3. Year 1 universal, Year 2-3 income-tested. IRD eligibility. Free.
Fortnightly vs Monthly Mortgage Calculator (NZ)
Compare NZ fortnightly vs monthly mortgage payments. See how fortnightly payments shave years off your loan and save thousands in interest. 2026 RBNZ rate ready.
NZ Independent Earner Tax Credit Calculator 2026
Calculate your Independent Earner Tax Credit (IETC) for NZ tax year 2026. Up to $520/year for individuals earning $24,000-$70,000 with no Working for Families, NZ Super, or main benefit.
KiwiSaver First Home Buyer Withdrawal Calculator
Calculate your KiwiSaver first home withdrawal: balance available, minimum $1,000 retained, 3+ year membership rule. Free, IRD 2026 rules.
NZ Super Eligibility Calculator 2026
Check if you qualify for New Zealand Superannuation in 2026. Free calculator covers age 65, 10/5-year residency rule, payment rates, and partner deduction.
NZ Paid Parental Leave Calculator 2026
Calculate New Zealand Paid Parental Leave (PPL) payment 2026 — 26 weeks at up to $754.87/week. IRD calculation, eligibility, top-up. Free.
NZ Resident Withholding Tax Calculator
Calculate Resident Withholding Tax (RWT) on NZ bank interest and dividends. Pick the correct RWT rate (10.5%, 17.5%, 30%, 33%, 39%) based on your taxable income.
NZ Student Loan Repayment Calculator 2026
Calculate New Zealand IRD student loan repayment at 12% over the $24,128 threshold for 2026. See annual repayment, payoff timeline, and overseas-based borrower rules. Free.
NZ Working for Families Tax Credit Calculator 2026
Calculate your 2026 New Zealand Working for Families tax credit entitlement — Family Tax Credit, In-Work Tax Credit, Best Start payment, and Minimum Family Tax Credit. Free and private.
NZ Parental Leave Payment Calculator 2026
Calculate New Zealand Paid Parental Leave (PPL) weekly entitlement. Max NZ$754.87/week gross 2026, 26 weeks, IRD-paid for eligible employees and self-employed.